RV & Motorhome Insurance
Purpose-built coverage for motorhomes and the road trips they were bought for, from state parks to snowbird season.
A motorhome is a vehicle, a residence, and a major investment rolled into one, and insuring it like an ordinary car misses most of that. Todd writes RV coverage that addresses the full picture: physical damage on a rig that costs real money to repair, liability sized for a vehicle of its weight, personal belongings inside, and attached equipment like awnings and solar setups. For owners who travel south for the winter or live aboard for stretches of the year, usage-based options matter, and Todd matches the policy to how many nights the rig actually sees. Storage-season coverage keeps protection sensible during the months it sits winterized.
What's Included
- Class A, B, and C motorhome coverage
- Personal belongings and attached equipment
- Full-timer and extended travel options
- Storage and winterization provisions
RV & Motorhome Insurance Service Areas
We provide rv & motorhome insurance services across the northwest Twin Cities metro.
Frequently Asked Questions
Is RV insurance different from auto insurance?
Meaningfully, yes. RV policies address things auto policies do not: the living quarters, your belongings inside, attached accessories, and emergency expenses if a breakdown strands you far from home. Todd walks through what a rig like yours actually needs.
What if I live in my RV for part of the year?
Extended stays change the liability picture, and carriers offer full-timer or extended-use coverage for exactly that. Be straightforward about usage; the wrong policy type is the kind of gap that only shows up during a claim.
Can I reduce coverage during winter storage?
Often the structure can reflect storage months while keeping protection against fire, theft, and weather damage, which do not take the winter off. Todd sets it up so the rig is never actually unprotected.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
Learn more →